We enable risk-bearing businesses to better understand and manage their risks. We provide value to our customers by supplying proprietary data that, combined with our analytic methods, creates embedded decision support solutions. We are the largest aggregator and provider of detailed actuarial and underwriting data pertaining to U.S. property and casualty, or P&C, insurance risks. We offer solutions for detecting fraud in the U.S. P&C insurance, healthcare and mortgage industries, and sophisticated methods to predict and quantify loss in diverse contexts ranging from natural catastrophes to health insurance.

Offering: 85.3 million shares at $19 - $21 per share. The selling stockholders are selling all of the shares of common stock in this offering and the company will not receive any proceeds from the sale of the shares.

Revenues were $503.7 million for the six months ended June 30, 2009 compared to $437.7 million for the six months ended June 30, 2008, an increase of $66.0 million or 15.1%... Cost of revenues was $220.5 million for the six months ended June 30, 2009 compared to $190.7 million for the six months ended June 30, 2008, an increase of $29.8 million or 15.6%... Selling, general and administrative expenses were $72.2 million for the six months ended June 30, 2009 compared to $59.0 million for the six months ended June 30, 2008, an increase of $13.2 million or 22.4%...Interest expense was $16.7 million for the six months ended June 30, 2009 compared to $14.2 million for the six months ended June 30, 2008, an increase of $2.5 million or 17.7%.

Competitors:

We encounter competition from a number of sources, including insurers who develop internal technology and actuarial methods for proprietary insurance programs. Competitors also include other statistical agents including the National Independent Statistical Service, the Independent Statistical Service, and other advisory organizations providing underwriting rules, prospective loss costs and coverage language, such as the American Association of Insurance Services and Mutual Services Organization.